P

    PennyMac Finl Svcs Inc (PFSI)

    Official site

    FINANCIAL SERVICES • MORTGAGE FINANCE • NYSE

    $73.13
    -0.25 (-0.35%)

    Market Cap: $3.81B

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    68%(27/40)
    Avg Surprise
    +11.22%

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$1.73
    Range$1.56 - $1.90
    6 analysts
    EPS RevisionsNo revisions (7d)
    0
    4
    30d
    EPS Estimate Drift
    90d ago$2.84+63.9%
    60d ago$2.83+63.5%
    30d ago$2.57+48.4%
    7d ago$1.74+0.3%
    Current$1.73
    Revenue Consensus
    $561M
    Range$548M - $578M
    6 analysts
    Dec 31, 2026
    EPS Consensus$1.13
    Range$0.68 - $1.38
    6 analysts
    Revenue Consensus
    $521M
    Range$457M - $592M
    6 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.13---
    Sep 26EST
    		-$1.73---
    Jun 26
    		$1.39$2.08-33.17%Miss-67.5%
    Mar 26
    		$2.19$2.14+2.34%Beat-20.9%
    Dec 25
    		$1.96$3.23-39.32%Miss-31.9%
    Sep 25
    		$3.43$2.98+15.10%Beat-1.7%
    Jun 25
    		$4.28$3.07+39.41%Beat+60.3%
    Mar 25
    		$2.77$2.83-2.12%Miss+11.7%
    Dec 24
    		$2.88$3.02-4.64%Miss+9.5%
    Sep 24
    		$3.49$2.93+19.11%Beat+65.4%
    Jun 24
    		$2.67$2.62+1.91%Beat+64.8%
    Mar 24
    		$2.48$2.31+7.36%Beat+113.8%
    Dec 23
    		$2.63$1.77+48.59%Beat+353.4%
    Sep 23
    		$2.11$1.59+32.70%Beat+40.7%
    Jun 23
    		$1.62$1.49+8.72%Beat+5.9%
    Mar 23
    		$1.16$1.09+6.42%Beat-28.4%
    Dec 22
    		$0.58$1.11-47.75%Miss-85.3%
    Sep 22
    		$1.50$1.17+28.21%Beat-72.7%
    Jun 22
    		$1.53$0.83+84.34%Beat-66.9%
    Mar 22
    		$1.62$2.45-33.88%Miss-75.3%
    Dec 21
    		$3.94$3.72+5.91%Beat-34.0%
    Sep 21
    		$5.50$3.47+58.50%Beat-21.8%
    Jun 21
    		$4.62$3.31+39.58%Beat+5.2%
    Mar 21
    		$6.55$5.74+14.11%Beat+75.6%
    Dec 20
    		$5.97$6.02-0.83%Miss+217.6%
    Sep 20
    		$7.03$5.49+28.05%Beat+365.6%
    Jun 20
    		$4.39$2.91+50.86%Beat+377.2%
    Mar 20
    		$3.73$3.19+16.93%Beat+543.1%
    Dec 19
    		$1.88$1.64+14.63%Beat+261.5%
    Sep 19
    		$1.51$1.35+11.85%Beat+164.9%
    Jun 19
    		$0.92$0.76+21.05%Beat+31.4%
    Mar 19
    		$0.58$0.62-6.45%Miss-13.4%
    Dec 18
    		$0.52$0.55-5.45%Miss-56.3%
    Sep 18
    		$0.57$0.59-3.39%Miss-19.7%
    Jun 18
    		$0.70$0.65+7.69%Beat+59.1%
    Mar 18
    		$0.67$0.73-8.22%Miss+42.6%
    Dec 17
    		$1.19$0.66+80.30%Beat+19.0%
    Sep 17
    		$0.71$0.67+5.97%Beat-33.0%
    Jun 17
    		$0.44$0.65-32.31%Miss-
    Mar 17
    		$0.47$0.64-26.56%Miss-
    Dec 16
    		$1.00$0.79+26.58%Beat-
    Sep 16
    		$1.06$0.91+16.48%Beat-

    Dividends

    Dividend Metrics

    Yield1.64%
    Annual/Share$1.20
    Payout Ratio21.07%
    Frequency4
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+14.47%
    5Y CAGR+17.32%
    View PFSI's full dividend history

    Key Metrics

    Valuation
    P/E Ratio8.15EV/EBITDA46.36x
    Price/FCF-2.05xFCF Yield-48.80%
    Profitability
    Profit Margin11.80%Operating Margin4.48%
    ROE9.38%ROIC3.92%
    Financial Health
    Debt/Equity3.52xInterest CoverageN/A
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta1.44Avg Volume552.19K
    52-Week High$158.6652-Week Low$71.40

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$74.53
    SMA 20$75.66
    SMA 50$79.87
    SMA 200$98.55
    EMA 10$74.42
    EMA 20$75.86
    EMA 50$79.02
    EMA 200$91.65

    MACD

    Line: -1.88Signal: -1.76Hist: -0.12

    ADX

    ADX: 24.5+DI: 16.4-DI: 32.2

    Aroon & PSAR

    Aroon Up8.0
    Aroon Down12.0
    PSAR$81.96

    Bollinger Bands

    Upper Band$78.92
    Lower Band$72.39
    %B Position863%(Upper)
    Band Width0.11

    RSI (14-Day)

    Neutral
    36.9

    Momentum Oscillators

    Stoch %K15.3
    Stoch %D12.3
    Williams %R-87.6
    ROC (10d)-4.2%
    Momentum-3.19
    CCI (20d)-146.1
    MFI (14d)38.4

    Volatility Measures

    ATR (14d)$2.22(3.0%)
    StdDev (20d)1.63
    Hist Vol23.4%(Moderate)

    Volume Flow

    VWAP$73.11
    OBV-3.2M
    AD Line-107.8M
    CMF (20d)-0.227

    Volume Metrics

    Avg Vol (20d)538.2K
    Vol Ratio1.1x
    VWMA (20d)$75.78

    Pivot Points

    R3$75.38
    R2$74.94
    R1$74.16
    Pivot Point$73.72
    S1$72.94
    S2$72.50
    S3$71.72

    Advanced Oscillators

    TSI-21.56
    Ultimate Osc35.2
    KST-75.07

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$496.96M$768.06M$474.01M$1.12B$444.73M$611.78M$-320,799,000$617.94M$319.97M$467.41M$501.70M$551.64M
    Cost of RevenueN/A$14.40M$113.01M$469.76M$448.14M$382.70M$9.99M$17.50M$363.43M$305.23M$316.97M$292.78M
    Gross ProfitN/A$530.59M$1.07B$413.06M$483.44M$687.05M$460.12M$394.34M$351.93M$194.78M$215.25M$264.44M
    Operating Expenses$465.44M$669.07M$921.07M$391.95M$368.29M$513.06M$-111,227,000$535.51M$256.54M$427.55M$326.27M$273.51M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$293.10M$397.40M$236.57M$76.86M$104.52M$279.27M$217.94M$133.87M$44.53M$112.85M$126.81M
    Interest Income$242.45M$208.18M$513.79M$-1,147,000$221.93M$189.87M$-400,618,000$225.47M$-7,060,000$156.43M$-472,835,000$166.55M
    Interest Expense$270.71M$0$263.00M$0$239.58M$0$228.11M$0$0$0$-310,413,000$0
    Income Before Tax$31.52M$104.69M$134.41M$236.37M$76.44M$104.20M$129.36M$93.92M$133.85M$43.88M$-54,230,000$126.80M
    Income Tax Expense$9.80M$22.37M$27.57M$54.87M$-60,021,000$27.92M$24.88M$24.56M$35.60M$4.58M$-17,388,000$33.93M
    Net Income$21.73M$76.62M$15.86M$181.50M$136.46M$70.81M$120.00M$57.88M$98.26M$35.29M$-170,810,000$244.20M
    EBITDA$59.82M$125.38M$159.54M$750.90M$105.01M$123.09M$-185,381,000$115.72M$79.73M$64.56M$199.52M$301.08M
    EBIT$31.52M$98.99M$134.41M$726.87M$76.44M$98.72M$-209,572,000$82.43M$63.43M$39.87M$175.43M$278.13M
    * Some calculated fields are derived from available data when not provided by source

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    News

    PFSI Investor News: If You Have Suffered Losses in PennyMac Financial Services, Inc. (NYSE: PFSI), You Are Encouraged to Contact The Rosen Law Firm About Your Rights

    The Rosen Law Firm is investigating potential securities claims against PennyMac Financial Services, Inc. (NYSE: PFSI) on behalf of investors who suffered losses. This comes after PennyMac announced a significant decline in its servicing segment pretax income for Q4 2025, leading to a 33.3% drop in its stock price. The firm is preparing a class action lawsuit and encourages affected shareholders to contact them to join.

    GlobeNewswire•8/25/26•
    Bearish

    Quantbot Technologies LP Acquires New Shares in PennyMac Financial Services, Inc. $PFSI

    Quantbot Technologies LP has acquired 35,045 new shares in PennyMac Financial Services, Inc. (NYSE:PFSI) for approximately $3.05 million. Despite this new investment, analyst sentiment has weakened, leading to several ratings cuts and a consensus "Hold" rating with a target price of $104.88. PennyMac recently reported quarterly EPS of $1.39, missing analyst estimates, though revenue saw an 11.8% year-over-year increase, and the company declared a quarterly dividend of $0.30 per share.

    MarketBeat•8/24/26•
    Somewhat-Bearish

    MFN Partners Management LP Buys Shares of 4,531,792 PennyMac Financial Services, Inc. $PFSI

    MFN Partners Management LP has acquired a new stake of 4,531,792 shares in PennyMac Financial Services, Inc. (NYSE:PFSI) during the second quarter, valuing the investment at approximately $394.7 billion. This purchase makes PennyMac Financial Services the 5th largest position in MFN Partners Management LP's portfolio, representing about 8.2% of its total investments. Other institutional investors also modified their holdings, with the stock currently having a consensus "Hold" rating from analysts and a price target of $104.88.

    MarketBeat•8/23/26•
    Somewhat-Bearish

    Donald Smith & CO. Inc. Invests $163.94 Million in PennyMac Financial Services, Inc. $PFSI

    Donald Smith & CO. Inc. recently acquired 1.88 million shares of PennyMac Financial Services (PFSI), valued at $163.94 million, making it their 14th-largest portfolio holding. Despite missing analyst earnings consensus, PennyMac's revenue increased by 11.8% year-over-year, and the company declared a quarterly dividend. Analysts currently have an overall "Hold" rating on PFSI, with an average price target of $104.88.

    MarketBeat•8/22/26•
    Somewhat-Bearish

    PennyMac’s Libor Fix on Mortgage REIT Okayed by Ninth Circuit

    The Ninth Circuit Court of Appeals ruled that PennyMac Financial Services Inc. was not mandated to use the official replacement for Libor under the 2022 Libor Act. This decision clarifies that the law does not require companies to switch to the Secured Overnight Financing Rate (SOFR) when restructuring investment contracts, overturning a lower court's denial of PennyMac's motion to dismiss a class action lawsuit.

    Bloomberg Law News•8/19/26•
    Somewhat-Bullish

    Frequently Asked Questions About PFSI

    What is PFSI's current dividend yield?
    PennyMac Finl Svcs Inc (PFSI) has a current dividend yield of 1.64%.
    Does PFSI pay dividends?
    Yes, PennyMac Finl Svcs Inc pays dividends with a current yield of 1.64%.
    What is PFSI's P/E ratio?
    PennyMac Finl Svcs Inc has a price-to-earnings (P/E) ratio of 8.15.
    What is PFSI's market cap?
    PennyMac Finl Svcs Inc (PFSI) has a market capitalization of $3.81B with a current stock price of $73.13.

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